Choice Financial Services

 Guiding your financial future

 

Congratulations on taking the first step in planning your financial future! Choosing a financial advisor is an important start to your successful journey. Choice Financial Services is an independent, comprehensive financial services company committed to helping you improve your long-term financial life. Your financial health requires time, attention, commitment, and care to achieve financial well being. 

Please browse through the website where you’ll find a wealth of information in the form of newsletter articles, calculators, and research reports. 

I hope your visit will help you understand the opportunities and potential rewards that are available when you take a proactive approach to your personal financial situation.  I have created this Web site to help you gain a better understanding of the financial concepts behind insurance, investing, retirement, and wealth preservation.  Most important, I hope you will see the value of working with skilled professionals to pursue your financial goals.  I am here to help educate you about the basic concepts of financial management; to help you learn more about Choice Financial Services; and to give you easy access to research.  I hope you take advantage of this resource and visit often. Be sure to add this site to your list of "favorites" in your Internet browser. The site is frequently updated so you will not miss any developements in the area of personal finance.    

 

 

 
Calculators

Lifetime Earnings

This calculator is designed to help you attach a dollar figure to your life’s work.

Disability Income Insurance

How much Disability Income Insurance do you need?

Impact of Inflation

Estimate the future cost of an item based on today’s prices and the rate of inflation you expect.

Retirement Portfolio Lifespan

How Long Will Your Funds Last?

More Calculators →

Newsletters

Insurance for Two Could Benefit Your Heirs

Survivorship life insurance offers a way to help a couple's heirs pay estate taxes, probate costs, and other final expenses — and could be especially important after 2012 when the federal estate tax is scheduled to be significantly higher. Even if the estate tax doesn't apply to an estate, the insurance proceeds could benefit heirs or a favorite charity.

Pick Up This Split for Long-Term Retirement Income

The number of Americans aged 90 or older almost tripled from 1980 through 2010 and is projected to quadruple by 2050. As people live longer they may need to fund a longer-than-expected retirement. This article discusses how a split-annuity strategy could help provide a long-term income stream.

Put It in Writing

A high level of job satisfaction is fairly typical of business owners, but it can also be a hindrance if it keeps them from thinking about a planned exit strategy. A written exit plan could help you avoid surprises.

Deciding When to Begin

Waiting until full retirement age (or up to age 70) to claim Social Security may result in significantly higher monthly benefits. At age 62, the earliest age to claim Social Security, the amount received could be only 70% of the benefit received at "full retirement age" (which ranges from age 65 to 67 depending on year of birth).

More Newsletters →